DOWNLOADABLE COMPUTER SOFTWARE APPLICATIONS FOR USE IN DEVELOPING AND MANAGING ON-LINE LEARNING PROGRAMS IN THE FIELDS OF SYSTEMS TRAINING, COMPLIANCE TRAINING AND INTERNET BASED CONTINUING EDUCATION PROGRAMS; AND DOWNLOADABLE COMPUTER COMMERCE SOFTWARE TO ALLOW USERS TO PERFORM ELECTRONIC BUSINESS TRANSACTIONS VIA A GLOBAL COMPUTER NETWORK SPECIFICALLY INVOLVING LEARNING PROGRAMS IN THE FIELD OF SYSTEMS TRAINING, COMPLIANCE TRAINING AND INTERNET BASED CONTINUING EDUCATION PROGRAMS